README.md

A simple mortgage calculator, useful for finding a balance between paying off
debpt early vs. investing early. Since calculations like this depend on a lot
of unknowable variables (e.g., future interest rate of investments), it's only
really useful as a handy way of getting a feel for compound interest tradeoffs.

The goal is to answer the question, "Is it better to pay off my debt early or
should I put that money into an investment right now?"

Formulas

Monthly Debt Payment

Given a debt with a particular interest rate paid down monthly, how big will
the monthly payment have to be in order to pay off the debt?

rate
The interest rate.
number_of_periods
The number of payments to be made.
payment_amount
The amount per period to be paid.
present_value
The current value of the annuity.
end_or_beginning - [optional]
Whether payments are due at the end (0) or beginning (1) of
each period.